Dear Early To Rise Reader

Are you in debt? Have you had enough of working hard to make money… just to find that your paycheck comes in one day and goes out the next to pay your mortgage, your car, your loans, your credit card bills?

How much disposable income do you have left over to enjoy life and invest for your retirement? What would happen if, through no fault of your own, your paycheck stopped coming in? Would your bills stop coming in as well? Or, like most people, are you two paychecks away from financial disaster?

Now you can experience for yourself the freedom of owing nothing and owning everything in your life… sooner than you ever thought possible.

Even if your credit cards are maxed out and you have a huge mortgage to pay off, you don’t have to wait 15, 25, or 30 years to become debt-free.

I want to introduce you to a program that can help you pay off all your debts in 5-7 years or less and retire a debt-free millionaire over the same time it would take you to pay off your mortgage.

What’s even more impressive is that you can do all of this using the money you already earn. You can:

· Use the money you are wasting on interest payments to retire a debt-free millionaire.

· Quickly increase your monthly disposable income.

· Experience once and for all the freedom of being debt-free.

The program I’m talking about was developed by debt expert John Cummuta for Nightingale Conant. According to his publisher, Mr. Cummuta has shown nearly half a million people in North America how to escape the credit trap. His Transforming Debt Into Wealth program will take you through a simple-to-follow system for prioritizing then paying off every penny of your debt – in the shortest possible time. It will teach you how to focus every dollar you’re currently wasting on debt payment toward building your future wealth.

And as I said, you may be able to achieve this using the money you already earn. It is the most secure and conservative wealth-building program available.

Imagine how you’ll feel the day you pay off your mortgage. Imagine the feeling of security when you are totally debt-free, knowing you own everything in your life and that nobody can take these things away from you. Picture how your life will change when you have no more debt payments to make, how much more disposable income you will be able to enjoy. Picture the sense of freedom you will have knowing that you are not tied to your job or the place you live, that you no longer rent your life from other people, you own it!

This system is designed to allow you to pay off all of your debts and be completely free of financial obligation.

Unlike other debt reduction programs, Transforming Debt Into Wealth has another benefit. This program will teach you how and why you got into debt, so you can avoid it in the future.

And it will teach you how to build wealth – real wealth! Building wealth will be an almost unavoidable consequence of following the system to complete debt freedom. You see, when it comes to building wealth, the missing link for most people isn’t the lack of investing savvy, it’s the lack of money to invest.

Transforming Debt Into Wealth gives you back the money you need to invest for future wealth.

But maybe the most exciting benefit of the Transforming Debt Into Wealth system is that it gives you a genuine opportunity to start over – a chance to rebuild your life to your own specifications. How many other programs offer you an opportunity to create a new vision for your life… and then give you the strategy to actually get you there?

Applying the Transforming Debt Into Wealth system to your life won’t require an extra penny of income. This system isn’t magic; it’s a rerouting and refocusing of your present income to make it work more effectively for you rather than for your creditors. So you don’t have to look for some get-rich scheme. This program will make you rich with the money you’re already earning. If you faithfully follow this program you will be financially independent!

In many ways, your current financial situation is not entirely your fault. Most people are NEVER taught how money works. Even though many of us go to college, manage checking accounts, and earn tens of thousands of dollars a year, we are ignorant. We are not taught the basics of:

· Credit Management

· Investments

· What to do with our paycheck

· How to plan our financial life

· How to plan for some kind of retirement

Most Americans were never taught – by family or by the educational system – how to manage their financial resources throughout various stages of their lives. So they’ve become unwitting students (and slaves) of Madison Avenue Advertisers, the Hollywood Culture builders, and the merchants and money-lending companies behind them. Think about it. Where did you receive your personal financial training? Haven’t you really been trained by TV and other advertising media on how you should live, what you should buy to show that you’ve arrived at a certain status level, and what kind of American Dream you should be chasing?

If you are in debt it’s partly because you’ve been manipulated into spending too much by advertising wizards and credit card companies. They want you to charge up and pay down purchases your entire life! If you don’t wake up and change your spending habits now, you’ll be manipulated into golden-years of poverty.

As Michael Masterson says, “No matter how high you boost your income, you won’t acquire wealth unless you learn to spend less than you make. For it is the money we save, not the money we make, that determines our wealth.”

The Transforming Debt Into Wealth system works…

A research study was done which applied the Debt into Wealth system to the finances of an average American family through data from the US Census Bureau, the National Association of Realtors, Chicago Title and Trust, Bankcard Holders of America, and RAM research.

Using the same income that the average family brings in the Debt into Wealth system paid off all debts including the home mortgage in about seven years, saving $105,407 in interest! And, in the time it takes to pay an average mortgage the Debt into Wealth system earned $1,268,260 from the money that would’ve gone towards debt payments!

Will Bonner is the eldest son of New York Times bestselling author Bill Bonner and Executive Director of the Bonner & Partners Family Office If you would like to read more essays like Will's, we recommend you sign-up for his Dad's free daily e-letter at "Bill Bonner's Diary of a Rogue Economist."

Enjoy guests like Mark Ford, Lewis Howes, Bedros Keuilian, Brad Pilon, Carrie Wilkerson, and other inspirational entrepreneurs and authors. Plus, get insider tips on how to make the most of your mornings, kickstart your productivity, and set goals you can actually achieve!

About ETR

Early To Rise delivers science-based systems and structures to help people achieve a higher level of performance. We share proven strategies for success and help our readers steer clear of fads, gimmicks, and frauds and 10x their lives.